it could involve big risk on top of removing a cross like this which in many ways uk for insurance in the first place. that is something that the premium should cover. my fear is that if we see the same reaction with the gse is, it will result in the same outcome that you just referenced as a possibility and lenders will pull back on the crediting on their own. they have argued him so. they have risk concerns already associated with the portfolio that goes above and beyond the minimum that it requires. if we go too far, we reach a tipping point. and that tipping point will impact the communities that are referred to on the margin that leave the portfolio the most because there is no other financial system. so i think there will be a lot of response to some of the proposals, while at the same time trying to help with a reason to mitigate this. >> [inaudible question] >> yes, you know, there is also a line of where is fha and where should it be in line with other financial institutions. so that you're creating some common expectations. some of what we are proposing includes fraud, somet